2019 Survey of Consumer Payment Choice : Derived Variables with Raw Data (CSV) : Summary Results, Research Data Report No. 20-3

In 2019, U.S. consumers made 69 payments per month on average. They made six in 10 payments with debit, credit, or prepaid cards, or 42 payments. Debit cards were used the most, for 24 payments, followed by credit cards (17 payments), and cash (15 payments). Over the 12 years of the survey, debit, cash, and credit have consistently been the most popular ways to pay.

Some notable results about consumer payment behavior in 2019:

Fifty-nine percent of consumers adopted mobile banking and 75 percent online banking.

Half of consumers adopted at least one online payment method, such as PayPal, Venmo, or Zelle.

Three-quarters of consumers paid electronically from a bank account, either by using their bank's online bill pay or providing their bank account number to a third party.

On average, consumers made 30 percent of in-person retail payments in cash in a typical month.

Half of consumers reported that in a typical month they made at least one payment to another person (for example, friend or family).

From 2018 to 2019, the share of payments made with cash declined 2 percentage points, a statistically significant change. Also statistically significant, the share of payments made with online banking bill pay (OBBP) increased about one-half of 1 percentage point. The shares of payments made with cards (debit, credit, prepaid) were stable; no change was statistically significant. The shares of consumers who purchased goods or services online or who made a mobile payment were stable from 2018.

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Federal Reserve Bank of Atlanta , Federal Reserve Bank of Boston and Federal Reserve Bank of Boston. Consumer Payments Research Center. "2019 Survey of Consumer Payment Choice : Derived Variables with Raw Data (CSV) : Summary Results, Research Data Report No. 20-3" in Research Data Reports (June 16, 2020). https://fraser.stlouisfed.org/title/7166/item/655105/content/csv/frbatl_rdr_2003_scpc_2019_public_csv, accessed on January 18, 2026.

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NOTE: Raw data files for this document are hosted at USC Dornsife Center for Economic and Social Research.

Interactive charts, showing payment method use by income level, age range, and transaction type, are posted on the Atlanta Fed website.

DIGITAL COPY SOURCE: Federal Reserve Bank of Atlanta

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jel: D9
jel: E42
jel: M2

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doi: 10.29338/rdr2020-03

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